Client-side use of customer preferences

ABSTRACT

In one aspect, a method includes monitoring, at a processing component, online activities associated with a first account of a first user to identify first user preferences; monitoring, at the processing component, online activities associated with a second account of a second user to identify second user preferences; storing the first user preferences and the second user preferences in association with the first account and the second account at the processing component, respectively; customizing one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and presenting the one or more product offerings to the at least one third user on a respective device of the at least one third user.

RELATED APPLICATIONS

This application claims priority to, and is a Continuation of, U.S.patent application Ser. No. 17/001,140, filed on Aug. 24, 2020, which isa Continuation of U.S. patent application Ser. No. 15/395,721, filed onDec. 30, 2016 and issued as U.S. Pat. No. 10,755,254, which is aContinuation of U.S. patent application Ser. No. 14/587,984, filed onDec. 31, 2014 and issued as U.S. Pat. No. 9,589,290, the entire contentsof which are incorporated herein by reference.

BACKGROUND

Merchants continually strive to create the best possible experience fortheir customers. For instance, merchants often customize items to meetcustomer requests. In instances where a certain customer often frequentsa particular merchant, the merchant may automatically prepare an itemaccording to the customer's tastes. For instance, a customer that ordersa same tall vanilla, extra hot latte from a same merchant each morningmay receive that drink simply in response to entering the merchant'spremises. However, if the customer were to frequent a different coffeeshop, that merchant would be unaware of the customer's preferences.

BRIEF DESCRIPTION OF THE DRAWINGS

The detailed description is set forth with reference to the accompanyingfigures. In the figures, the left-most digit(s) of a reference numberidentifies the figure in which the reference number first appears. Theuse of the same reference numbers in different figures indicates similaror identical items or features.

FIG. 1 illustrates an example environment that includes merchants thatconduct transactions with customers, as well as a payment service toauthorize payment instruments of the customers. In this environment,customers express item preferences to merchants, who share thisinformation with the payment service. The payment service collects thesepreferences and intelligently propagates them to some or all of themerchants to enhance customer experiences at the merchants.

FIG. 2 illustrates a scenario where an example customer expresses afirst item preference when engaging in a first transaction with a firstmerchant and a second item preference when engaging in a secondtransaction with a second merchant. The merchants provide thisinformation to a payment service, which stores this information in aprofile of the user.

FIG. 3 illustrates a scenario where the example customer requests apayments application from the payment service of FIG. 2 , which providesan instance of the application to a device of the user in response. Thepayment service may associate the instance of the application with theprofile of the user and, hence, with the item preferences previouslyexpressed by the user.

FIG. 4 illustrates an example scenario where the user of FIG. 2 visits aphysical premises of a third merchant. In response to determining thatthe user is at the third merchant, the payment service intelligentlypropagates one or more item preferences of the user to a device of thethird merchant.

FIG. 5 illustrates a flow diagram of an example process for collectingitem preferences of a user, providing a payments application to a deviceof the user, and associating the item preferences of the user with thepayments application.

FIG. 6 illustrates a flow diagram of an example process for associatingan item preference with a payment instrument of a user that expressedthe item preference.

FIG. 7 illustrates a flow diagram of an example process for collectingmultiple item preferences expressed at different merchants andassociating these item preferences with a user that expressed them.

FIG. 8 illustrates a flow diagram of an example process for receiving arequest to authorize a payment instrument for a transaction, identifyinga user associated with the instrument, and associating, with the user,an item preference expressed in the transaction.

FIG. 9 illustrates an example scenario where a user visits a physicalpremises of a merchant and, in response, the payment service providesinformation regarding an item preference of the user to a device of themerchant and/or a device of the customer.

FIG. 10 illustrates a flow diagram of an example process for requesting,by a point-of-sale (POS) device of a merchant, a payment service toauthorize a payment instrument of a customer for a cost of a transactionand receiving, from the payment service, an indication of an itempreference associated with the customer.

FIG. 11 illustrates a flow diagram of an example process for outputtingan indication of an item preference of a user on a POS device of amerchant.

FIG. 12 illustrates a flow diagram of an example process for receiving,at a device of a merchant, an indication that a user located at themerchant is associated with an item preference and outputting theindication on the device of the merchant.

FIG. 13 illustrates a flow diagram of an example process for outputting,on a device of a user, an indication of an item preference associatedwith the customer.

FIG. 14 illustrates a flow diagram of an example process for collectingan item preference of a user expressed at a first merchant andintelligently propagating this item preference to a second merchant.

FIG. 15 illustrates a flow diagram of an example process for receiving,at a payment service, an indication that a user is located at aparticular merchant and sending, to a device of the merchant, anindication of an item preference of the user in response.

FIG. 16 illustrates select components of a POS device that merchantsdescribed herein may utilize.

DETAILED DESCRIPTION

This disclosure describes, in part, techniques for collecting itempreferences of users at a centralized location and propagating theseitem preferences to users and merchants in an intelligent manner. Insome instances, the centralized location is a payment service thatfunctions to both authorize payment instruments of users for costs oftransactions conducted at the merchant, and collect and propagate theitem preferences to the merchants and the users.

To illustrate, a customer (or “user”) may engage in a transaction with amerchant for an item offered by a merchant. During the transaction, thecustomer may request to customize the item in some way. Thiscustomization may relate to a size of the item (e.g., tall, 16 oz.,large, etc.), a color of the item (e.g., red, blue, etc.), an ingredientto include or not to include in the item (e.g., soy milk, no nuts,etc.), a preparation type of the item (e.g., rare temperature, extra hotdrink, etc.), a flavor of the item (e.g., lemon-lime, cherry, etc.), orany other item customization. To pay for the cost of the transaction,the customer may provide cash or a payment instrument (or otherconsideration) to the merchant. The merchant may then send an indicationof the transaction, including the requested customization, to a paymentservice. In instances where the customer uses a payment instrument topay for the cost of the transaction, the payment service may also send arequest to the payment service to authorize the payment instrument forthe cost of the transaction.

Upon receiving the information regarding the transaction, the paymentservice may identify the user associated with the transaction. Forexample, in instances where the merchant sends a request to authorize apayment instrument of the user, the payment service may identify thecustomer from the payment instrument. In another example, the merchantmay include an indication of the identity of the customer to the paymentservice.

In addition to identifying the customer, the payment service mayidentify the item preference associated with the transaction and maystore this item preference in a profile of the customer at the paymentservice. In some instances, the customer has an existing profile at thepayment service, while in instances where the payment service has neveridentified the customer before, the payment service may create a profileof the user and associate the item preference with the newly createdprofile. In some instances, the payment service may attempt to authorizethe payment instrument for the cost of the transaction and may send anindication to the merchant regarding whether or not the paymentinstrument has been authorized or declined.

Because the payment service may work with a variety of merchants, thepayment service may continue to collect item preferences of customers.In some instances, one such customer may later request that the paymentservice provide a payments application to a device of the customer. Thispayments application may allow the customer to pay for items atmerchants that work with the payment service, and may further includeinformation regarding the merchants (e.g., menus, hours, location,etc.). In response to receiving this request, the payment service mayassociate an instance of the application provided to the customer devicewith the device of the customer, with any payment instruments associatedwith the customer, and with the profile of the customer at the paymentservice. Therefore, the previously stored item preferences associatedwith the customer may be associated with the instance of the applicationexecutable on the customer device.

Regardless of whether a customer utilizes a payments application fromthe payment service, the payment service may intelligently propagateitem preferences of customers to merchants. For example, continuing theexample from above, envision that the customer that has previouslyexpressed first item preference at a first merchant visits a location ofa second merchant. The payment service may determine that the customeris located at the second merchant and may provide an indication of theitem preference to the second merchant. In some instances, the paymentservices may determine which one or more item preferences to provide tothe merchant based on the class of item(s) offered by the merchant andthe class of items that each item preference is associated with.

For example, envision that a user visits a first coffee shop and ordersan extra hot latte. The first merchant may send a request to authorize apayment instrument of the customer for the cost of the latte, along withan itemized receipt. In addition to attempting to authorize the paymentinstrument of the user, the payment service may identify the “extra hot”item preference, may associated this item preference with “coffeeitems”, and may associate this preference with the profile of thecustomer.

Thereafter, the customer may enter an establishment of a second merchantthat also offers coffee items. In response to identifying that thecustomer is located at the second merchant, the payment service maydetermine that the “extra hot” item preference of the customer ispertinent to the second merchant and, hence, may send an indication ofthe item preference to a device of the second merchant. Therefore, evenif the customer has never visited the second merchant, the secondmerchant may learn of the customer's preference for “extra hot” drinksand may suggest that the customer order an extra hot drink according tohis preference.

In some instances, the payment service may also provide informationregarding the customer's item preferences to a device of the customer.For instance, the device of the customer may store a paymentsapplication that is executable to allow the customer order items frommerchants, such as the first and second merchants. Upon the customervisiting the second merchant, or upon the customer requestinginformation regarding the second merchant, the payments application mayindicate, to the customer, that the second merchant offers “extra hot”lattes.

The payment service may determine that the customer is present at thesecond merchant in a number of ways. For instance, when a customerprovides a payment instrument to the second instrument for a cost of anitem ordered by the customer, the device of the second merchant may senda request to authorize the payment instrument to the payment service.The payment service may then map this payment instrument to thecustomer. In another example, the device of the second merchant, thedevice of the customer, or a third device may determine that the deviceof the customer is proximate (i.e., within a threshold distance of) thedevice of the merchant. For instance, both the device of the secondmerchant and the device of the customer (e.g., executing the paymentsapplication) may share each device's GPS coordinates with the paymentservice, which may use this information to determine whether thecustomer is located at the merchant. In yet another example, thecustomer may utilize a device to “check in” at the second merchant via asocial network. Of course, while a few examples have been listed, it isto be appreciated that the payment service may determine that thecustomer is located at the second merchant in any number of ways.

In response to determining that the customer is located at the secondmerchant, the payment service may determine whether any of the itempreferences associated with the user are pertinent to the secondmerchant. If so, then the payment service may send one or more of thesepreferences to the second merchant. In some instances, the paymentservice may rank the item preferences according to pertinence to thesecond merchant and may send one or more of the most pertinent itempreferences. In another example, the payment service may send allpertinent item preferences to the second merchant. In another example,the payment service may send only item preferences that are pertinent toan item currently being ordered by the customer. For instance, thepayment service may only send an indication of the customer's preferencefor “extra hot” drinks if the customer actually orders a hot drink fromthe second merchant. Depending on how the payment service determinesthat the customer is located at the second merchant, the payment servicemay send the indication of the item preference to the second merchantupon the customer arriving at the premises of the second merchant, priorto the customer ordering an item, as part of the checkout process for anordered item, or the like.

For discussion purposes, some example implementations are describedbelow with reference to the corresponding figures. However,implementations herein are not limited to the particular examplesprovided, and may be extended to other environments, other systemarchitectures, other types of merchants, and so forth, as will beapparent to those of skill in the art in light of the disclosure herein.

FIG. 1 illustrates an example environment 100 that includes merchants102 that conduct transaction with customers 104 (or “users 104”) foritems 106 offered by the merchants 102. FIG. 1 also illustrates apayment service 108, coupled to merchant devices and customer devicesvia a network 110, to authorize payment instruments of the customers104.

As illustrated, individual ones of the customers 104 may engage intransactions with the merchants 102 to obtain items 106. The customersmay provide, as shown at 112, cash or payment instruments to themerchants along with requests for items offered by the merchants. Theserequests may include requested customizations, such as a requested size,flavor, ingredients, preparation, or the like.

The merchants may utilize respective point-of-sale (POS) devices (seeFIGS. 2, 16 ) for accepting payment from the customers 104. The POSdevices may comprise any sort of mobile or non-mobile devices thatinclude instances of a merchant application that executes on therespective devices. The merchant application may provide POSfunctionality to the POS device to enable the merchants 102 (e.g.,owners, employees, etc.) to accept payments from the customers 104. Insome types of businesses, the POS device may correspond to a store orother place of business of the merchant, and thus, may be a fixedlocation that typically does not change on a day-to-day basis. In othertypes of businesses, however, the location of the POS device may changefrom time to time, such as in the case that a merchant operates a foodtruck, is a street vendor, is a cab driver, etc., or has an otherwisemobile business, e.g., in the case of merchants who sell items atbuyer's homes, places of business, and so forth.

As used herein, a merchant may include any business engaged in theoffering of goods or services for acquisition by customers. Actionsattributed to a merchant may include actions performed by owners,employees, or other agents of the merchant, and thus no distinction ismade herein unless specifically discussed. In addition, as used herein,a customer may include any entity that acquires goods or services from amerchant, such as by purchasing, renting, leasing, borrowing, licensing,or the like. Hereinafter, goods and/or services offered by merchants maybe referred to as items. Thus, a merchant and a customer may interactwith each other to conduct a transaction in which the customer acquiresan item from a merchant, and in return, the customer provides payment tothe merchant.

As used herein, a transaction may include a financial transaction forthe acquisition of goods and/or services that is conducted between oneof the customers 104 and one of the merchants 102. For example, whenpaying for a transaction, the customer can provide the amount that isdue to the merchant using cash or other payment instrument (e.g., adebit card, a credit card, a stored-value or gift card, a check, throughan electronic payment application on a device carried by the customer,or the like). The merchant can interact with the POS device to processthe transactions, such as by inputting (e.g., manually, via a magneticcard reader or an RFID reader, etc.) identifiers associated with thepayment instruments. For example, a payment instrument of the customermay include one or more magnetic strips for providing card and customerinformation when swiped in a card reader. In other examples, other typesof payment cards may be used, such as smart cards having a built-inmemory chip that is read by the device when the card is “dipped” intothe reader, a radiofrequency identification tag, or so forth.

During the transaction, the POS device can determine transactioninformation describing the transaction, such as the identifier of thepayment instrument, an amount of payment received from the customer, theitem(s) acquired by the customer, a time, place and date of thetransaction, a card network associated with the payment instrument, anissuing bank of the payment instrument, a name of the customer, contactinformation of the customer, and so forth. The POS device can send thetransaction information to the payment service 108 over a network 110,either substantially contemporaneously with the conducting of thetransaction (in the case of online transactions) or later when thedevice is in the online mode (in the case offline transactions).

In an offline transaction, the POS device may store one or morecharacteristics associated with the transaction (i.e., the transactioninformation), such as a cost of the transaction, a time of day at whichthe transaction occurred, a day of the week at which the transactionoccurred, a location at which the transaction took place, an item thatthe customer obtained, an identity and/or contact information of thecustomer, and a payment instrument used in the transaction. Afterconducting an offline transaction with one of the customers 104, the POSdevice may provide the stored information (or some subset of it) to thepayment service 108 over the network 110. The network 110 may representany one or more wired or wireless networks, such as a WiFi network, acellular network, or the like. In an online transaction, the POS devicemay send this information to the payment service 108 over the network110 substantially contemporaneously with the transaction with thecustomer.

After the merchants 102 receive the payment information from thecustomers 104, the merchants may send respective authorization requests,along with information regarding the respective transactions, to thepayment service 108, as illustrated at 114. The payment service 108 mayinclude one or more processors 122 and memory 124, which may store apayment processing module 126, a mapping module 128, one or moremerchant profiles 130, and one or more customer profiles 132.

The payment processing module 126 may function to receive theinformation regarding a transaction from the POS device of a merchantand attempt to authorize the payment instrument used to conduct thetransaction. The payment processing module 126 may then send anindication of whether the payment instrument has been approved ordeclined back to the POS device, potentially along with one or more itempreferences of the customer, as illustrated at 116.

Generally, when a customer and a merchant enter into an electronicpayment transaction, the transaction is processed by electronicallytransferring funds from a financial account associated with the customerto a financial account associated with the merchant. As such, thepayment processing module 126 may communicate with one or more computingdevices of a card network (or “card payment network”), e.g.,MasterCard®, VISA®, over the network 110 to conduct financialtransactions electronically. The payment processing module 126 can alsocommunicate with one or more computing devices of one or more banks,processing/acquiring services, or the like over the network 110. Forexample, the payment processing module 126 may communicate with anacquiring bank, and/or an issuing bank, and/or a bank maintainingcustomer accounts for electronic payments.

An acquiring bank may be a registered member of a card association(e.g., Visa®, MasterCard®), and may be part of a card payment network.An issuing bank may issue credit cards to buyers, and may pay acquiringbanks for purchases made by cardholders to which the issuing bank hasissued a payment card. Accordingly, in some examples, the computingdevice(s) of an acquiring bank may be included in the card paymentnetwork and may communicate with the computing devices of a card-issuingbank to obtain payment. Further, in some examples, the customer may usea debit card instead of a credit card, in which case, the bank computingdevice(s) of a bank corresponding to the debit card may receivecommunications regarding a transaction in which the customer isparticipating. Additionally, there may be computing devices of otherfinancial institutions involved in some types of transactions or inalternative system architectures, and thus, the foregoing are merelyseveral examples for discussion purposes.

In addition to attempting to authorize a payment instrument of a user,the payment service 108 may identify, from the transaction dataassociated with a particular transaction, an item preference expressedat a time when the user ordered the corresponding item. For instance,the transaction data may indicate, continuing the example above, thatthe user ordered the latte as a “tall” and as “extra hot”. The mappingmodule 128 may map the payment instrument of the user to an identity ofthe user (e.g., using a name on the instrument) and may store thisinformation in a profile of the user maintained in the customer profiles132. While FIG. 1 illustrates the merchants 102 sending the transactiondata directly to the payment service 108 as part of the request toauthorize the payment instrument, in some instances other entities(e.g., banks associated with the merchants or with customer paymentinstruments) may provide transaction data, such as part of a batched,periodic process. Again, in these instances the mapping module 128 maymap the transactions, and the item preferences expressed therein, to thecorresponding customer profiles.

While the customer profiles 132 may store indications of userpreferences, the merchant profiles 130 may store information associatedwith respective ones of the merchants 102. For instance, the merchantprofiles 130 may indicate a class of items offered by respectivemerchants (e.g., coffee items, collectibles, apparel, etc.), a type ofbusiness of the merchant (e.g., restaurant, coffee shop, retail store,etc.), a geographical location of the merchant, and the like.

After the payment service 108 associates an item preference of acustomer to a corresponding customer profile of the customer, thepayment service 108 may utilize this information when the customervisits the same merchant or a different merchant. For instance, envisionthat the customer described above has ordered an extra hot latte from afirst merchant, who has communicated this preference to the paymentservice 108. In response, the payment service 108 associates this itempreference with the profile of the customer. Thereafter, envision thatthe customer visits a second, different merchant. In response todetermining that the customer is located at the second merchant, thepayment service 108 may determine whether to provide any previouslystored item preferences of the user to the second merchant. To do so,the payment service 108 may determine, for each preference, a class ofitems to which the item preference is pertinent to and may determinewhether the second merchant offers any of the classes of itemsassociated with the item preferences of the customer. If so, then thepayment service 108 may send the respective item preference to thesecond merchant (but may refrain from non-pertinent item preferences).In the instant example, for instance, the payment service 108 may sendthe item preference of “extra hot” to the second merchant in instanceswhere the second merchant offers coffee items (or is labeled as a coffeeshop or the like), but may refrain from doing so if the second merchantis, for example, a shoe store.

The payment service 108 may determine that the customer is located atthe second merchant in a number of ways. For instance, if the customerengages in a transaction with the second merchant and provides a paymentinstrument to the second merchant for satisfying a cost of thetransaction, then the payment service 108 may map the payment instrumentto the customer and, hence, may deduce that the customer is located atthe merchant. At that point, the payment service 108 may send the itempreference to a device of the second merchant. The second merchant mayuse this information to enhance the experience of the customer at thesecond merchant (e.g., “I understand that you prefer your lattes extrahot. Shall I make this one extra hot?”).

In other instances, a computing device associated with the merchant(e.g., a POS device, servers of the merchant, etc.) determines when thecustomer visits physical premises or a digital presence of the merchant.For instance, the device of the customer may include an application(e.g., an application provided by the payment service 108) thatcommunicates with the POS device of the second merchant via near-fieldcommunication methods (e.g., Bluetooth, etc.). Therefore, when thecustomer visits the physical premises of the merchant, for example, thePOS device may detect the presence of the customer device. The POSdevice may accordingly determine that the customer is present. Inanother example, one or both of the POS device and the customer devicemay share its location (e.g., GPS coordinates) to one another or to acommon service for determining when the devices are located within athreshold proximity of one another.

In another example, the customer may utilize the customer device to“check in” at the merchant location, and the POS device may receive anindication of this check in. When the customer visits a digital presenceof the merchant (e.g., a website, etc.), the customer may log in orotherwise provide information (e.g., a cookie on the device) from whichthe second merchant determines that the customer is at the merchant. Ofcourse, while a few examples are listed, it is to be appreciated thatthe merchant and/or the payment service 108 may determine when thecustomer is present at the merchant in any other number of ways. In eachinstance, after the payment service 108 receives an indication that aparticular customer is located at the merchant, the payment service 108may determine whether to send one or more previously expressed itempreferences of the customer to the merchant.

In addition, after engaging in transactions with the merchants 102, oneof the customers 104 may desire to receive an instance of a paymentsapplication from the payment service 108. FIG. 1 illustrates, at 118,that the customers 104 may send respective payment-application requeststo the payment service 108. In response, at 120, the payment service 108may provide respective instances of the application back to the customerdevices. In addition, the payment service 108 may map an identificationof the instance of the application to the customer profile, such thatpreviously expressed item preferences of each respective customer is nowassociated with the respective instance of the application on therespective customer device. For instance, if a user has been using aparticular credit card when engaging at transactions at the merchants102, any item preferences expressed during these transactions may beinitially associated with the payment instrument and the user and, afterthe respective user requests to receive a payments application, may beassociated with the instance of the payments application. By associatingthese pre-collected preferences with the payments application of thecustomer, when the customer utilizes the application to order items fromthe merchants, the previously expressed item preferences may beexpressed to the merchants.

FIG. 2 illustrates a scenario 200 where an example customer 104(1)expresses a first item preference when engaging in a first transactionwith a first merchant 102(1) and a second item preference when engagingin a second transaction with a second merchant 102(2). The merchantsprovide this information to the payment service 108, which stores thisinformation in a profile of the user.

First, and as illustrated at 200(1), the customer 104(1) (who isassociated with a customer device 202) may request an item from themerchant 102(1) and may express a customization to the item (i.e., anitem preference). A POS device 204(1) of the merchant 102(1) may receivethis request and the customization and may provide, via a merchantapplication 206 and at 200(2), a request to authorize a paymentinstrument of the customer 200(2) to the payment service, along with anindication of the expressed item preference. In instances where thecustomer 104(1) provides cash, meanwhile, the POS device 204(1) maysimply send an indication of the item preference to the payment service.In addition to attempting to authorize the payment instrument of thecustomer 104(1), the payment service 108 may identify the customer104(1) and may store an indication of the item preference in associationwith a profile of the customer 104(1) at the payment service. In thisexample, for instance, the customer 104(1) has ordered a latte with soymilk from the merchant 102(1) and, in response, the payment service 108has stored an indication that the customer 104(1) prefers soy milk.

Next, the customer 104(1) visits the second merchant 102(2). Asillustrated at 200(3), the customer 104(1) requests an item andexpresses a second item preference. In this example, the customer 104(1)orders a steak from the merchant 102(2) and requests that it be preparedat a rare temperature. A POS device 204(2) of the second merchant 102(2)sends, at 200(4), a request to authorize a payment instrument along withan indication of the item preference to the payment service 108. Inaddition to attempting to authorize the payment instrument, the paymentservice 108 stores an indication that the customer 104(1) prefers meatprepared at a rare temperature.

FIG. 3 illustrates a scenario 300 where the example customer 104(1)thereafter requests a payments application from the payment service 108.As shown at 300(1), the customer 104(1) may utilize the customer deviceto request the payments application from the payments service 108. At300(2), the payments service 108 may send an instance of the applicationto the customer device 202 and may associate the instance of theapplication with the profile of the customer 104(1) and, hence, with theitem preferences previously expressed by the customer 104(1). As such,the payments application on the customer device 202 is now associatedwith the item preferences “soy milk” and “rare temperature”. Thecustomer 104(1) may now use the payments application to order items frommerchants, potentially using any item preferences associated with thecustomer 104(1). FIG. 3 , for instance, illustrates that the applicationindicates to the customer 104(1) other coffee shops that offer soy milk,potentially in response to the customer 104(1) using the application tosearch for nearby coffee shops. In another example, when the customer104(1) orders a steak from a local merchant using the application, theapplication may query the customer 104(1) as to whether the customerwould like that steak prepared at a rare temperature.

FIG. 4 illustrates an example scenario 400 where the customer 104(1)visits a physical premises of a third merchant 102(3) at 400(1). Inresponse to determining that the user is at the third merchant 102(2)(using any of the techniques discussed above) the payment service 108intelligently propagates, at 400(2), one or more item preferences of thecustomer 104(1) to a POS device 204(3) of the third merchant 102(3). Forinstance, the payment service 108 may determine that the third merchant102(3) offers a class of items (e.g., coffee items) associated with oneof the item preferences associated with the customer 104(1) and, inresponse, may send an indication to the POS device 204(3) of the thirdmerchant 102(3). The merchant 102(3) may then use this information tobetter service the customer 104(1) (e.g., “I see that you like Soy milk.Would you like us to make your latte with Soy milk?”) The itempreference associated with the “rare temperature”, however, may beassociated with a class of items not offered by the merchant 102(3) and,therefore, the payment service 108 may refrain from sending anindication of this item preference to the POS device 204(3).

FIG. 5 illustrates a flow diagram of an example process 500 forcollecting item preferences of a user, providing a payments applicationto a device of the user, and associating the item preferences of theuser with the payments application. The process 500 and other processesdescribed herein are illustrated as collections of blocks in logicalflow diagrams, which represent a sequence of operations, some or all ofwhich can be implemented in hardware, software or a combination thereof.In the context of software, the blocks may represent computer-executableinstructions stored on one or more computer-readable media that, whenexecuted by one or more processors, program the processors to performthe recited operations. Generally, computer-executable instructionsinclude routines, programs, objects, components, data structures and thelike that perform particular functions or implement particular datatypes. The order in which the blocks are described should not beconstrued as a limitation. Any number of the described blocks can becombined in any order and/or in parallel to implement the process, oralternative processes, and not all of the blocks need be executed. Fordiscussion purposes, the processes are described with reference to theenvironments, architectures and systems described in the examplesherein, although the processes may be implemented in a wide variety ofother environments, architectures and systems.

At 502, the process 500 receives, at a payment service, a first requestto authorize a first payment instrument of a user for a cost of a firstitem ordered by the user from a first merchant. At the 504, the process500 may attempt to authorize the first payment instrument for the costof the first item. In addition, at 506, the process 500 may identify,from the first request, a first item preference of the user, the firstitem preference representing a first customization to the first item. Insome instances, the user requested the first customization at a time ofthe user ordering the first item from the first merchant.

At 508, the process 500 receives, at the payment service, a secondrequest to authorize a second payment instrument of the user for a costof a second item ordered by the user from a second merchant. At 510, theprocess 500 attempts to authorize the second payment instrument for thecost of the second item and, at 512, identifies, from the secondrequest, a second item preference of the user. This second itempreference may represent a second customization to the second item, thesecond customization requested by the user at a time of the userordering the second item from the second merchant.

At 514, the process 500 provides, at least partly after attempting toauthorize the first and second payment instruments, a paymentsapplication to a device associated with the user. The paymentsapplication may be associated with the payment service and may allow theuser to interact with merchants by, for instance, ordering items frommerchants, perusing menus and other attributes of the merchants, and thelike. At 516, the process 500 receives, via the payments application andfrom the device of the user, a third request to associate at least thefirst payment instrument with the payments application. At 518, theprocess 500 associates the first payment instrument with the paymentsapplication. In addition, at 520, the process 500 determines that thesecond payment instrument is associated with the user (e.g., based on aname of the payment instruments, billing address, etc.). At 522, theprocess 500 proceeds to associate the first and second item preferenceswith a profile of the user at the payment service. Therefore, afterrequesting the payments application from the payment service, theprocess 500 may join the preferences expressed during the first andsecond transactions in the profile of the user at the payment service.

FIG. 6 illustrates a flow diagram of an example process 600 forassociating an item preference with a payment instrument of a user thatexpressed the item preference. At 602, the process 600 receives, at apayment service, an indication that a user is acquiring an item from amerchant. At 604, the process 600 attempts to authorize a paymentinstrument of the user for a cost of the item. At 606, the process 600identifies, from the indication, an item preference of the user, theitem preference representing a customization to the item requested bythe user at a time of the user ordering the item from the merchant.Finally, at 608, the process 600 stores, at the payment service, theitem preference in association with the payment instrument of the user.Therefore, when the user later uses the payment instrument to engage ina transaction with a different merchant, the payment service may send anindication of the expressed item preference to a device of the differentmerchant, who may use the preference to enhance an experience of theuser at the different merchant.

FIG. 7 illustrates a flow diagram of an example process 700 forcollecting multiple item preferences expressed at different merchantsand associating these item preferences with a user that expressed them.At 702, the process 700 determines that a user has acquired a first itemfrom a first merchant. At 704, the process 700 identifies a first itempreference of the user, the user having expressed the first itempreference at a time of ordering the first item from the first merchant.For instance, when a merchant provides an indication of the transactionto a payment service (potentially along with a request to authorize apayment instrument of the user), the merchant may send receipt data tothe payment service, which may identify the preference from receivedreceipt data.

At 706, the process 700 may determine that the user has acquired asecond item from a second merchant and, at 708, may identify a seconditem preference of the user, the user having expressed the second itempreference at a time of ordering the second item from the secondmerchant. At 710, the process 700 may associate the first and seconditem preferences with the user, such as with a profile of the user at apayment service. The payment service may then use these preference tointelligently propagate these item preferences to different merchantswhen the user visits the different merchants.

FIG. 8 illustrates a flow diagram of an example process 800 forreceiving a request to authorize a payment instrument for a transaction,identifying a user associated with the instrument, and associating, withthe user, an item preference expressed in the transaction. At 802, theprocess 800 receives, at a payment service, a request to authorize apayment instrument for a cost of a transaction at a merchant. Thispayment instrument may be associated with a user and the request mayindicate a particular item ordered by the user as part of thetransaction along with a preference of the user pertaining to theparticular item. At 804, the process 800 attempts to authorize thepayment instrument for the cost of the transaction. At 806, the process800 identifies, from the payment instrument, a profile of the user atthe payment service. For instance, the process 800 may use a name,billing address, and other information associated with the paymentinstrument to identify the user and, hence, the profile of the user atthe payment service. At 808, the process 800 may also identify, from therequest, the preference of the user pertaining to the particular item.Finally, at 810, the process 800 may store, in the profile of the userat the payment service, an indication of the preference of the userpertaining to the particular item.

FIG. 9 illustrates an example scenario 900 where the customer 104(1)visits a physical premises 902 of the merchant 102(3) and, in response,the payment service 108 provides information regarding an itempreference of the customer 104(1) to the POS device 204(3) of themerchant 102(3) and/or to the device 202 of the customer 104(1). Here,for instance, envision that the merchant 102(3) comprises a coffee shopand the user has previously expressed a preference for soy milk whenshopping at the first example merchant 102(1). In response to thepayment service 108 determining that the customer 104(1) is located atthe merchant 102(3), and that the merchant 102(3) is a coffee shop, thepayment service 108 may send an indication of the customer's preferencefor soy milk to the POS device 204(3). The merchant 102(3) is thereforeable to offer this preference to the customer 104(1) without thecustomer needing request it.

In addition, the payment application executing on the customer device202 may surface an indication of this item preference. For instance, inthis example the payment application indicates, to the customer, that hepreviously requested soy milk when last ordering a coffee drink. Inaddition or in the alternative, the payment application could indicateto the user whether the merchant 102(3) offers soy milk, a charge forsoy milk at the merchant 102(3), or the like.

FIG. 10 illustrates a flow diagram of an example process 1000 forrequesting, by a point-of-sale (POS) device of a merchant, a paymentservice to authorize a payment instrument of a customer for a cost of atransaction and receiving, from the payment service, an indication of anitem preference associated with the customer. At 1002, the process 1000receives, from a reader of a POS device, a payment identifier associatedwith a first payment instrument of the first user, the first paymentinstrument used to satisfy a cost of a transaction between the user anda first merchant. At 1004, the process 1000 sends, to a payment service,the payment identifier, an indication of an item ordered by the user aspart of the transaction between the user and the merchant, and a requestto authorize the payment instrument for the cost of the transactionbetween the user and the merchant.

At 1006, the process 1000 receives, from the payment service, a messageindicating that the user is associated with an item preferencepertaining to the item, the user having previously expressed the itempreference when acquiring the item from a second merchant. As describedabove, the item preference may comprise a customization to the itempreviously requested by the user. At 1008, the process 1000 may presentthe message indicating that the user is associated with the itempreference on a display of the POS device for informing an operator ofthe POS device of this preference. The operator may then suggest thepreference to the user or may utilize this information in another way.

FIG. 11 illustrates a flow diagram of an example process 1100 foroutputting an indication of an item preference of a user on a POS deviceof a merchant. At 1102, the process 1100 receives, at a device of amerchant, an indication that a user has ordered an item from themerchant. At 1104, the process 1100 sends, from the device of themerchant, to a payment service, a request to authorize a paymentinstrument of the user for a cost of the item. At 1106, the process 1100receives, at the device of the merchant and from the payment service, anindication of an item preference of the user pertaining to the item.Finally, at 1108, the process 1100 outputs, on the device of themerchant, the indication of the item preference of the user pertainingto the item.

FIG. 12 illustrates a flow diagram of an example process 1200 forreceiving, at a device of a merchant, an indication that a user locatedat the merchant is associated with an item preference and outputting theindication on the device of the merchant. At 1202, the process 1200receives, at a device of a merchant that offers a class of one or moreitems, an indication that a user located at the merchant is associatedwith an item preference pertaining to the class of one or more items. Asdescribed above, the user may have previously expressed the itempreference when interacting with a different merchant. Also as describedabove, the merchant may determine that the user is located at themerchant in any number of ways. For instance, a block 1202(1) indicatesthat the merchant device may determine that a device of the user isproximate to the merchant device. A block 1202(2), meanwhile, indicatesthat the merchant device may receive an indication that the user haschecked-in to the merchant, such as on a social network. In a thirdexample, a block 1202(3) indicates that the merchant device may receivea payment instrument of the user and may determine that the user islocated at the merchant based on this information.

At 1204, the process 1200 may output, on the device of the merchant, theindication of the item preference of the user pertaining to the class ofone or more items. This may include presenting an indication on adisplay of the device of the merchant, outputting an audible indicationon a speaker of the device of the merchant, or the like.

FIG. 13 illustrates a flow diagram of an example process 1300 foroutputting, on a device of a user, an indication of an item preferenceassociated with the customer. At 1302, the process 1300 receives, at anapplication executable on a device of a user, a first request for afirst item from a first merchant, the request specifying a customizationto the first item requested by the user. At 1304, the process 1300sends, from the application, to a device of the first merchant, thefirst request for the first item specifying the customization to theitem. At 1306, the process 1300 receives an indication that the firstmerchant has received the first request from the application. At 1308,the process 1300 receives, at the application, a second request for asecond item from a second merchant.

At 1310, the process 1300 outputs, by the application and on the deviceof the user, an indication of an item preference, the item preferencebased at least in part on the customization requested by the first userwhen ordering the first item from the first merchant. For example, ininstances where the first and second item comprise the same item or asame class of item, the application may suggest that the user requestthe item preference when ordering the second item. For instance, theindication may comprise an inquiry as to whether the customizationshould also be applied to the second item when requesting the seconditem from the second merchant.

FIG. 14 illustrates a flow diagram of an example process 1400 forcollecting an item preference of a user expressed at a first merchantand intelligently propagating this item preference to a second merchant.At 1402, the process 1400 receives, at a payment service, a request toauthorize a payment instrument of a user for a cost of a transactionbetween the user and a first merchant, the request indicatinginformation pertaining to the transaction. At 1404, the process 1400attempts to authorize the payment instrument for the cost of thetransaction. At 1406, the process 1400 identifies, from the paymentinstrument, a profile of the user at the payment service. At 1408, theprocess 1400 identifies, from the information, an item preference of theuser pertaining to an item acquired by the user in the transaction, theitem preference comprising a customization to the item requested by theuser at a time of ordering the item from the first merchant.

At 1410, the process 1400 stores an indication of the item preference ofthe user in the profile of the user at the payment service. At 1412, theprocess 1400 receives, at least partly after the storing, an indicationthat the user has ordered the item at a second merchant. At 1414, and inresponse, the process 1400 sends, to a device of the second merchant, anindication of the item preference of the user.

FIG. 15 illustrates a flow diagram of an example process 1500 forreceiving, at a payment service, an indication that a user is located ata particular merchant and sending, to a device of the merchant, anindication of an item preference of the user in response. At 1502, theprocess 1500 receives, at a payment service that authorizes paymentinstruments of customers of first and second merchants, an indicationthat a user is located at a physical premises of the first merchant.Again, the process 1500 may make this determination in any number ofways. At 1504, the process 1500 identifies a profile of the usermaintained at the payment service. At 1506, the process 1500 determinesan item preference of the user from the profile of the user, the userhaving expressed the item preference when engaging in a transaction withthe second merchant. At 1508, the process 1500 sends, to a device of thefirst merchant, an indication of the item preference of the user. Theprocess 1500 may send this indication to the device of the firstmerchant as part of a checkout process for a transaction between theuser and the first merchant or, in other instances, prior to atransaction between the user and the first merchant.

FIG. 16 illustrates select example components of an example POS device1600 according to some implementations. The POS device 1600 may be anysuitable type of computing device, e.g., mobile, semi-mobile,semi-stationary, or stationary. Some examples of the POS device 1600 mayinclude tablet computing devices; smart phones and mobile communicationdevices; laptops, netbooks and other portable computers or semi-portablecomputers; desktop computing devices, terminal computing devices andother semi-stationary or stationary computing devices; dedicatedregister devices; wearable computing devices, or other body-mountedcomputing devices; or other computing devices capable of sendingcommunications and performing the functions according to the techniquesdescribed herein.

In the illustrated example, the POS device 1600 includes at least oneprocessor 1602, memory 1604, a display 1606, one or more input/output(I/O) components 1608, one or more network interfaces 1610, at least onecard reader 1612, at least one location component 1614, and at least onepower source 1616. Each processor 1602 may itself comprise one or moreprocessors or processing cores. For example, the processor 1602 can beimplemented as one or more microprocessors, microcomputers,microcontrollers, digital signal processors, central processing units,state machines, logic circuitries, and/or any devices that manipulatesignals based on operational instructions. In some cases, the processor1602 may be one or more hardware processors and/or logic circuits of anysuitable type specifically programmed or configured to execute thealgorithms and processes described herein. The processor 1602 can beconfigured to fetch and execute computer-readable processor-executableinstructions stored in the memory 1604.

Depending on the configuration of the POS device 1600, the memory 1604may be an example of tangible non-transitory computer storage media andmay include volatile and nonvolatile memory and/or removable andnon-removable media implemented in any type of technology for storage ofinformation such as computer-readable processor-executable instructions,data structures, program modules or other data. The memory 1604 mayinclude, but is not limited to, RAM, ROM, EEPROM, flash memory,solid-state storage, magnetic disk storage, optical storage, and/orother computer-readable media technology. Further, in some cases, thePOS device 1600 may access external storage, such as RAID storagesystems, storage arrays, network attached storage, storage areanetworks, cloud storage, or any other medium that can be used to storeinformation and that can be accessed by the processor 1602 directly orthrough another computing device or network. Accordingly, the memory1604 may be computer storage media able to store instructions, modulesor components that may be executed by the processor 1602. Further, whenmentioned, non-transitory computer-readable media exclude media such asenergy, carrier signals, electromagnetic waves, and signals per se.

The memory 1604 may be used to store and maintain any number offunctional components that are executable by the processor 1602. In someimplementations, these functional components comprise instructions orprograms that are executable by the processor 1602 and that, whenexecuted, implement operational logic for performing the actions andservices attributed above to the POS device 1600. Functional componentsof the POS device 1600 stored in the memory 1604 may include a merchantapplication 1618, discussed above. The merchant application 1618 maypresent an interface on the POS device 1600 to enable the merchant toconduct transactions, receive payments, and so forth, as well ascommunicating with the payment service 108 for processing payments andsending transaction information. Further, the merchant application 1618may present an interface to enable the merchant to manage the merchant'saccount, and the like.

Additional functional components may include an operating system 1620for controlling and managing various functions of the POS device 1600and for enabling basic user interactions with the POS device 1600. Thememory 1604 may also store transaction data 1622 that is received basedon the merchant associated with the POS device 1600 engaging in varioustransactions with customers, such as the example customers 104 from FIG.1 .

In addition, the memory 1604 may also store data, data structures andthe like, that are used by the functional components. For example, thisdata may include item information that includes information about theitems offered by the merchant, which may include images of the items,descriptions of the items, prices of the items, and so forth. Dependingon the type of the POS device 1600, the memory 1604 may also optionallyinclude other functional components and data, which may includeprograms, drivers, etc., and the data used or generated by thefunctional components. Further, the POS device 1600 may include manyother logical, programmatic and physical components, of which thosedescribed are merely examples that are related to the discussion herein.

The network interface(s) 1610 may include one or more interfaces andhardware components for enabling communication with various otherdevices over the network or directly. For example, network interface(s)1610 may enable communication through one or more of the Internet, cablenetworks, cellular networks, wireless networks (e.g., Wi-Fi) and wirednetworks, as well as close-range communications such as Bluetooth®,Bluetooth® low energy, and the like, as additionally enumeratedelsewhere herein.

FIG. 16 further illustrates that the POS device 1600 may include thedisplay 1606 mentioned above. Depending on the type of computing deviceused as the POS device 1600, the display 1606 may employ any suitabledisplay technology. For example, the display 1606 may be a liquidcrystal display, a plasma display, a light emitting diode display, anOLED (organic light-emitting diode) display, an electronic paperdisplay, or any other suitable type of display able to present digitalcontent thereon. In some examples, the display 1606 may have a touchsensor associated with the display 1606 to provide a touchscreen displayconfigured to receive touch inputs for enabling interaction with agraphic interface presented on the display 1606. Accordingly,implementations herein are not limited to any particular displaytechnology. Alternatively, in some examples, the POS device 1600 may notinclude the display 1606, and information may be present by other means,such as aurally.

The I/O components 1608, meanwhile, may include speakers, a microphone,a camera, and various user controls (e.g., buttons, a joystick, akeyboard, a keypad, etc.), a haptic output device, and so forth.

In addition, the POS device 1600 may include or may be connectable to apayment instrument reader 1612. In some examples, the reader 1612 mayplug in to a port in the merchant device, such as a microphone/headphoneport, a data port, or other suitable port. In other instances, thereader 1612 is integral with the entire POS device 1600. The reader mayinclude a read head for reading a magnetic strip or chip of a paymentcard, and further may include encryption technology for encrypting theinformation read from the magnetic strip. Alternatively, numerous othertypes of card readers may be employed with the POS devices 1600 herein,depending on the type and configuration of a particular POS device 1600.

The location component 1614 may include a GPS device able to indicatelocation information, or the location component 1614 may compriseanother other location-based sensor. The POS device 1600 may alsoinclude one or more additional sensors (not shown), such as anaccelerometer, gyroscope, compass, proximity sensor, and the like.Additionally, the POS device 1600 may include various other componentsthat are not shown, examples of which include removable storage, a powercontrol unit, and so forth.

Although the subject matter has been described in language specific tostructural features and/or methodological acts, it is to be understoodthat the subject matter defined in the appended claims is notnecessarily limited to the specific features or acts described. Rather,the specific features and acts are disclosed as example forms ofimplementing the claims.

What is claimed is:
 1. A method comprising: monitoring, at a processing component, online activities associated with a first account of a first user to identify first user preferences; monitoring, at the processing component, online activities associated with a second account of a second user to identify second user preferences; storing the first user preferences and the second user preferences in association with the first account and the second account at the processing component, respectively; customizing one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and presenting the one or more product offerings to the at least one third user on a respective device of the at least one third user.
 2. The method of claim 1, wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user.
 3. The method of claim 2, wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the processing component.
 4. The method of claim 1, wherein the one or more product offerings are associated with at least one of the first user and the second user.
 5. The method of claim 1, wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in.
 6. The method of claim 1, further comprising: receiving a request to process a payment for at least one of the one or more product offerings; and processing a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user.
 7. A system comprising: memory having computer-readable instructions stored therein; and one or more processors configured to execute the computer-readable instructions to: monitor online activities associated with a first account of a first user to identify first user preferences; monitor online activities associated with a second account of a second user to identify second user preferences; store the first user preferences and the second user preferences in association with the first account and the second account, respectively; customize one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and present the one or more product offerings to the at least one third user on a respective device of the at least one third user.
 8. The system of claim 7, wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user.
 9. The system of claim 8, wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the system.
 10. The system of claim 7, wherein the one or more product offerings are associated with at least one of the first user and the second user.
 11. The system of claim 7, wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in.
 12. The system of claim 7, wherein the one or more processors are communicatively coupled to the first user device, a second user device of the second user, and the respective device of the at least one third user.
 13. The system of claim 7, wherein the one or more processors are further configured to execute the computer-readable instructions to: receive a request to process a payment for at least one of the one or more product offerings; and process a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user.
 14. One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a system, cause the system to: monitor online activities associated with a first account of a first user to identify first user preferences; monitor online activities associated with a second account of a second user to identify second user preferences; store the first user preferences and the second user preferences in association with the first account and the second account, respectively; customize one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and present the one or more product offerings to the at least one third user on a respective device of the at least one third user.
 15. The one or more non-transitory computer-readable media of claim 14, wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user.
 16. The one or more non-transitory computer-readable media of claim 15, wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the system.
 17. The one or more non-transitory computer-readable media of claim 14, wherein the one or more product offerings are associated with at least one of the first user and the second user.
 18. The one or more non-transitory computer-readable media of claim 14, wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in.
 19. The one or more non-transitory computer-readable media of claim 14, wherein the one or more processors are communicatively coupled to the first user device, a second user device of the second user, and the respective device of the at least one third user.
 20. The one or more non-transitory computer-readable media of claim 14, wherein the execution of the computer-readable media by the one or more processors further cause the system to: receive a request to process a payment for at least one of the one or more product offerings; and process a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user. 